Try using nested if, e.g.:
if SECONDXCHECKBOX.Checked then begin
if MUMBLEOVERLAYCHECKBOX.Checked then begin
... // SECONDXCHECKBOX.Checked and MUMBLEOVERLAYCHECKBOX.Checked
end else begin
... // SECONDXCHECKBOX.Checked and not MUMBLEOVERLAYCHECKBOX.Checked
end;
end else begin
if MUMBLEOVERLAYCHECKBOX then begin
... // not SECONDXCHECKBOX.Checked and MUMBLEOVERLAYCHECKBOX.Checked
end else begin
... // not SECONDXCHECKBOX.Checked and not MUMBLEOVERLAYCHECKBOX.Checked
end;
end;